For many people, credit cards are a convenient payment tool, but if they are unable to repay their credit card debt for various reasons, it will cause trouble and stress. Here are answers and solutions to this problem:

Some people may not be able to pay off their credit card bills in a timely manner due to unexpected expenses or a loss of income. In this case, they can contact their credit card issuer to apply for a repayment deferment. If necessary, relevant supporting documents can be provided to increase the chance of success.

Debt Negotiation

If the debt owed is large and cannot be resolved by deferring payments, debt negotiation may be another option. Working with a credit card company or a specialized debt resolution agency can restructure your repayment plan to lower your monthly payment amount or interest rate to ease the stress of repayment.

Pursue a part-time job urgently

To clear your credit card debt faster, consider finding a part-time job. With extra income, repayments can be made faster and the financial burden reduced. For example, you can work in tutoring, sales or online platform part-time industries.

Seek professional advice

Sometimes, you cannot solve the debt problem by yourself and you need to seek help and advice from professionals. Consult a financial planner or attorney who can provide personalized guidance on the best solution for your specific situation.